SBA 7(a)/504 FOIA · FY1991–PRESENT · CALIFORNIA
Coldwell Banker (Real Estate Brokers franchise in California: what the public record shows
Franchisees of Coldwell Banker (Real Estate Brokers in California have taken 12 SBA loans in the FY1991–present FOIA files (average $567,100). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Coldwell Banker (Real Estate Brokers's national ratio is 1.1× (not clearly different from 1.0×).
Loans in CA
12
Charged off (all years)
3 of 8
Loss ratio in CA
—
Loss ratio nationally (not clear)
1.1×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = CA. Loss ratio = charge-offs among loans approved through FY2020 ÷ the charge-offs expected if each had defaulted at the national rate for franchise loans approved the same year; 1.0× is the same. Only charged-off and paid-in-full loans count. A ratio is shown at 30+ such loans; “not clear” marks a ratio chance alone could produce. The all-years count mixes every era and is evidence, not a rate to compare. Borrowers are matched to the brand by name and SBA franchise code; some matches may be wrong or missing.
Businesses in this industry
22,552
statewide, all operators
Per 100k residents
57.2
national 47.9
Versus the country
+19%
denser
Every business in Coldwell Banker (Real Estate Brokers's industry operating in California — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across the brand-state cells in the loan data, denser markets have historically charged off less often than the thinnest (see the research page). A crowded market is usually proven demand; an empty one is often empty for a reason.
Avg weekly wage, this industry
$2,183
California, BLS QCEW 2025
National average
$1,785
same industry, all states
Versus the country
+22%
costlier to staff
What Coldwell Banker (Real Estate Brokers's industry actually pays workers in California, from the Bureau of Labor Statistics' Quarterly Census of Employment and Wages (2025), employment-weighted across counties. This cost signal is independent of the FDD: a market can look demand-rich above and still carry a margin headwind here if local wages run hot for the sector.
| System | Loans in CA | Charged off (all years) | Loss ratio in CA | Units in CA |
|---|---|---|---|---|
| RE/MAX | 50 | 3 of 36 | 0.5×NOT CLEAR | 239 |
| Century 21 | 42 | 5 of 28 | — | — |
| REAL PROPERTY MANAGEMENT | 17 | 1 of 10 | — | 43 |
| Property Management Inc. | 6 | 1 of 2 | — | 37 |
Other systems in Coldwell Banker (Real Estate Brokers's sector whose franchisees borrowed in California. A loss ratio appears only where at least 30 loans approved through FY2020 have resolved; “—” means too few.
A broker is usually paid by the franchisor to place you. I'm paid only by you, never by a franchisor you're considering — and the job is pressure-testing Coldwell Banker (Real Estate Brokers’ numbers, including talking you out of a bad deal.